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California bad credit loans: Easy loans from direct lenders

California bad credit loans offer borrowers access to a fixed amount of money that can be paid off over several years. They are a great resource for people with bad credit looking to avoid short-term payday loans.

Installment loans for bad credit typically offer a cheaper way to borrow money than a payday loan. Plus, with on-time monthly payments, you have a chance to build a positive credit history.

How to get California bad credit loans?

Online lenders have made it quite easy to get approved for California bad credit loans. Instead of traveling from bank to bank you can research lenders, check your eligibility, and get funded as soon as the next business day in most cases.

Fortunately, most online lenders will tell you if you’re eligible prior to performing a hard-pull on your credit report. And, there are several online direct lenders to choose from.

California bad credit lenders

Risky borrowers will likely pay a higher rate than good credit borrowers. But keep in mind that most California bad credit loans allow you to repay the loan early without a pre-payment fee.

Badcreditloans.com – No Minimum Credit Score

BadCreditLoans.com connects you with a direct lender in its network of partners. BadCreditLoans.com can give you a second chance loan because they aren’t limited to helping only consumers with good credit.

They have the resources to lend you a helping hand no matter your credit score. Once you complete a short online application, you can get a personal loan offer in minutes from a network of direct lenders.

Your approved loan can be deposited electronically into your checking account in as fast as one business day.

Badcreditloans.com Details

How much can I borrow? Loan amounts up to $10,000.
Multiple lending partners. Badcreditloans.com connects you with multiple direct lending partners with one application
Easy eligibility requirements. Applicants must have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits along with a checking account in their name.
Income requirement. There is no minimum monthly income required.
Minimum credit score requirement. Personal loans for individuals with credit scores as low as 350.
Repayment terms: Loan terms range from 3 months up to 36 months.
APR Range. A personal loan from a lender or financial service provider in our network often ranges between 5.99% and 35.99%, although APRs vary according to the information that is supplied by you in your loan request.

Pros and Cons of Badcreditloans.com

Badcreditloans.com is a good fit for people that have demonstrated regular income.


  • Get same-day approval
  • Loans range from $500 to $10,000 by the next business day
  • No pre-payment penalty
  • No collateral required
  • No hidden fees


  • Cannot borrow over $10,000
  • Lender may charge a loan origination fee that can range from 1% to 6% of the total loan amount. Loan origination fees are deducted from the total loan proceeds.

Benefits of borrowing with an online lender

Online lenders for California bad credit loans can tell you instantly if you’re approved, how much you can borrow, and what your payments will look like – all with no impact on your FICO credit score.

Banks and credit unions cannot compete when it comes to the immediate approval of California bad credit loans. Typically, a bank loan officer will need to review the application, you may be required to submit documentation, then wait for an answer for several days or even weeks.

Requirements for California bad credit loans

Like most loans, there is standard information and documentation necessary to apply for a California bad credit loan but the application process is completed entirely online.

You will need the following:

  • Must be 18+ years old.
  • Must be a legal resident of the US.
  • Personal information such as your Social Security Number and address.
  • Monthly income from a job, self-employment or benefits like SSI, disability, or retirement.
  • Financial information (such as information about your expenses like monthly rent or mortgage payment).
  • Have an active checking account. (If you currently don’t have a checking account due to ChexSystems, banks that don’t use ChexSystems will open a new account for you.

Shop Online for a Loan without hurting your score

With online bad credit loans in California, it’s fairly safe to shop around. Just make sure the online lender states they prequalify borrowers without impact on your credit score.

When you prequalify for a loan, a lender gives you a general idea of how much you might be able to borrow and with what terms without using a hard inquiry to check your credit history.


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